First Author:   James Yetman University of Hong Kong jyetman@econ.hku.hk   School of Economics and Finance, University of Hong Kong, Pokfulam Road Hong Kong, NA, Hong Kong   (852) 2857-8506(Phone) (852) 2857-8506(Fax) http://www.econ.hku.hk/~jyetman/index.html